Search found 3148 matches

by Easy Rhino
Tue Sep 19, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: 30yr Mortgage Refi Rates
Replies: 13
Views: 1578

Re: 30yr Mortgage Refi Rates

I'm a banker, and I very much doubt that makes sense to refinance your loan into another 30 year fixed mortgage. he going rate today for a 30 year fixed refinance is about 3.70% assuming a loan on a single family homestead with a balance between $150K and $417K, 80% LTV or less, perfect credit and ...
by Easy Rhino
Wed Sep 13, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 3778

Re: Electric car in evacuation situation

I remember reading that one of the struggles that makers of pure-electric cars have is that windshield wipers use a significant amount of power and reduce range considerably if they are running; that could be a problem in evacuating in a bad-weather situation. I suppose that in the next few days we...
by Easy Rhino
Mon Sep 11, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: HSA medical payments and debit card
Replies: 6
Views: 628

Re: HSA medical payments and debit card

The cards may only allow transaction coded a certain way by the merchant.

for instance I have a FSA debit card (not exactly the same but same idea), and I couldn't buy eyeglasses at costco because their card terminal was configured the same as the rest of the store as general merchandise.
by Easy Rhino
Tue Sep 05, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should we let MIL pay off our mortgage?
Replies: 69
Views: 8646

Re: Should we let MIL pay off our mortgage?

people who get an inheritance are often advised to do nothing for a year. Maybe your MIL should do the same. Just park it somewhere safe. The gift sounds like a classic white elephant gift. She pays off a house. But no one in the family lives in the house. Then someone (and that means you) has to ma...
by Easy Rhino
Sat Aug 19, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Did Chase Apply My "Additional Principal" Payment Legally?
Replies: 41
Views: 2238

Re: Did Chase Apply My "Additional Principal" Payment Legally?

It would have resulted in a missed payment yes. I had to contact WF and they reversed and reapplied it as a normal payment
by Easy Rhino
Sat Aug 19, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Did Chase Apply My "Additional Principal" Payment Legally?
Replies: 41
Views: 2238

Re: Did Chase Apply My "Additional Principal" Payment Legally?

I like to think I'm familiar to this stuff, but I bumped into a kind of similar issue a few months ago. My mortgage is serviced by Wells Fargo. A while back I used my bank's bill pay service to send a check to them (so, no special instructions on how to apply the payment). It arrived a couple days e...
by Easy Rhino
Fri Aug 18, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Did Chase Apply My "Additional Principal" Payment Legally?
Replies: 41
Views: 2238

Re: Did Chase Apply My "Additional Principal" Payment Legally?

What's the day of the month the loan is due? Did you mention that the loan was overdue when you made the large payment on Feb 23? Chase's treatment of payments sounds realistic. There's all kinds of extra restrictions that are customary for mortgage loans using monthly interest. Especially if the lo...
by Easy Rhino
Fri Aug 18, 2017 5:56 pm
Forum: Investing - Theory, News & General
Topic: The Phillips Curve is not working!
Replies: 26
Views: 2736

Re: The Phillips Curve is not working!

the Phillips curve first fell apart in the 70's with stagflation.
by Easy Rhino
Wed Aug 16, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 3352

Re: What kind of hotel do you get on business travel?

My travel is often to smaller or medium towns, our company is somewhat frugal on travel policy, and our hotels are billed to our clients, who may or may not be frugal. Typically Hilton or Marriott Brands. In the Hilton family for instance, it would range from Hampton Inns to something like a Garden ...
by Easy Rhino
Wed Aug 16, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 75
Views: 5963

Re: How useful is a home security system?

Try to ask around the neighbors if there were any other break ins (maybe even find if there's a neighborhood watch). A local police officer checked out our house and mentioned that burglars may carefully research otherwise quiet neighborhoods then hit multiple houses in series. Things that could hav...
by Easy Rhino
Wed Jun 28, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Hilton Vacation Getaways
Replies: 11
Views: 1246

Re: Hilton Vacation Getaways

Man, year ago my folks went to a HGVC in Vegas to treat as a super cheap long weekend.

they ended up buying a timeshare :oops:
by Easy Rhino
Wed Jun 28, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 14415

Re: Anyone else gotten totally bored with investing?

Yes my portfolio is very much on autopilot. I do have a lot of accounts in different places, so when I do have to rebalance, which is seldom, i have to remind myself how to do it. So that's boring but in a good way, since I've got a growing family it's nice to have more time. One bummer is that when...
by Easy Rhino
Wed Jun 28, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?
Replies: 46
Views: 1929

Re: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?

I only have a 5 year old and a pregnant wife, so not quite in your boots yet. Although we have flown with our daughter when she was two, and we have road-tripped on a 10 hour drive when she was 4. For gear hauling purposes I'd say to drive. Carrying two car seats + a stroller + bags is rough, becaus...
by Easy Rhino
Wed Jun 21, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 51
Views: 4549

Re: Poaching chicken

Good Listener wrote:Thanks all. They asked me to do it plain because it will Then be handed off to a lady making chicken salad and she will permit nobody else to season it.


This is a very complicated operation.

Anyway, it sounds like you can use your spaghetti pot but just fill it up with less water.
by Easy Rhino
Sat Jun 10, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: Fence Dilemma
Replies: 31
Views: 2970

Re: Fence Dilemma

we had to do some repairs on our fence in southern california. Had a surveyor buddy come out (not a full official survey) and as near as we could reckon the fence was just inside our property line. Not even a foot setback, like an inch. the back neighbor kind of had a scary hoarder thing going on in...
by Easy Rhino
Sat Jun 10, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: Switching to t-mobile from at&t...maybe
Replies: 16
Views: 1665

Re: Switching to t-mobile from at&t...maybe

yeah it depends on the very specific model of phone. Tmobile and AT&T are both GSM carriers so phones will always at least mostly work. but sometimes different bands, especially LTE bands, may be different on different models, so you may have worse or no coverage in certain locations. I like m a...
by Easy Rhino
Fri Jun 09, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a personal finance cynic
Replies: 109
Views: 6829

Re: How to deal with a personal finance cynic

While I agree that the "typical boglehead" post is far out of the average person's league, I don't think many of at all the posters here are trolling. There's a lot of goodwill on the board. Also, since your friend has some money to invest ($100k is not insignificant), it means he could be...
by Easy Rhino
Thu Jun 08, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: What really happens in a bear market?
Replies: 37
Views: 4477

Re: What really happens in a bear market?

Yes, i think it's important to recognize the "everyone around you (who talks about investments) is panicking" effect.
by Easy Rhino
Thu Jun 08, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Does anyone read the Wall Street Journal?
Replies: 58
Views: 6386

Re: Does anyone read the Wall Street Journal?

I'll put in a plug for the Financial Times. Great indepth articles from a much broader perspective. A few years ago, I had a 6 month complimentary subscription during a period of being out of work so I had plenty of time to read it. Both, WSJ and FT are too expensive for me. I used to read FT (agai...
by Easy Rhino
Thu Jun 08, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Does anyone read the Wall Street Journal?
Replies: 58
Views: 6386

Re: Does anyone read the Wall Street Journal?

I get it with frequent flyer miles. It's a good paper. I wouldn't say it's gotten worse per se, but it's definitely gotten smaller . Fewer sections. General news coverage and big business/finance coverage is still fairly strong, but personal finance and other "personal" sections have shrun...
by Easy Rhino
Thu Jun 08, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Buying a House with an Old but Working Roof
Replies: 19
Views: 1306

Re: Buying a House with an Old but Working Roof

I would just factor it in as one of the many factors affecting the home's value. Just to play devils advocate, we bought our first house last year in a HCOL area. The house had multiple bids and we "won" and bought the house. Inspector said the roof was aging, but in satisfactory shape and...
by Easy Rhino
Thu Jun 08, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: Chicagoan, 98, donates Walgreen stock bought decades ago.
Replies: 20
Views: 3165

Re: Chicagoan, 98, donates Walgreen stock bought decades ago.

I initially read the headline as having "Woolworth" stock and wondered how that would be worth anything at all!
by Easy Rhino
Wed Jun 07, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 7823

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

hey, my wife is expecting also. only our second. And last. So congratulations! I kinda agree that the term "push gift" gives me a bit of ick, even though my wife has used it too. It's just like the word "moist". But anyway, wine seems like a good idea, because it's something she ...
by Easy Rhino
Thu Jun 01, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 3598

Re: Subaru to Prius?

I don't know what a used Prius costs. But let's say it's less than what you can sell your Outback for. Well, that would save you money, as long as you keep the prius for almost as long as you'd keep your Outback. You also say you work from home. you might not put many miles on the car. this means th...
by Easy Rhino
Fri May 26, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Save mobile deposit checks?
Replies: 16
Views: 2052

Re: Save mobile deposit checks?

I once had a mobile check rejected after a couple of days. (It was fine with my financial institution, but the one the check was written on didn't like it). I had to re-scan and resubmit. So I keep them around for a few days. Typically under a week. (I don't read the mobile apps suggestion that care...
by Easy Rhino
Fri May 26, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Are middle-aged breadwinners getting a raw deal?
Replies: 20
Views: 3113

Re: Are middle-aged breadwinners getting a raw deal?

Conversely, I tend to find myself more burned out by doing domestic chores and getting the little kid to not run around naked like a maniac, than I usually do at work. (Both I and my wife work, so we both have to do domestic chores too). Sounds like you need to try to upgrade either your work life o...
by Easy Rhino
Fri May 26, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Sell 2015 Subaru or Keep?
Replies: 71
Views: 6312

Re: Sell 2015 Subaru or Keep?

a simpler approach, consider paying a chunk towards the car loan, you'd get a guaranteed return of over 2% on whatever you pay.

Actually, you could possibly even refi at a local credit union or something to save a tiny bit on interest of the remainder, too.
by Easy Rhino
Fri May 26, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Should I fax or email bank info?
Replies: 18
Views: 1423

Re: Should I fax or email bank info?

I'd probably do the fax from home, you'll just pay comcast's international rate, which wouldn't be too terrible, I would presume. But email wouldn't be the end of the world. It's just a routing number and account number? that's literally the same information that someone would have if they looked at...
by Easy Rhino
Thu May 25, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 5564

Re: Insulating Walls - Worth it?

A few years ago we had insulation blown in our walls, there was non previously. It made a big different in comfort especially around the perimenter. (and that was in San diego!) I also wonder why the unit didn't have any insulation in the walls. There's also a chance that it's just your unit, maybe ...
by Easy Rhino
Mon May 22, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: ebates experiences - what downsides?
Replies: 13
Views: 1330

Re: ebates experiences - what downsides?

i use the site cashbackholic to get a comparison before I shop.

i'd say most often I use topcashback, discover, and upromise. But i've used others too.
by Easy Rhino
Mon May 22, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 4277

Re: Need new Router/Wifi Networking Ideas

A thought.

If your network dead zones are maybe one or two specific spots, then maybe airport express to expand what you got.

But if there's multiples or lots of areas that aren't covered, then maybe replace with mesh.
by Easy Rhino
Mon May 22, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 14084

Re: For those with $500k-$1m in investments...

Around 20 or 30% taxable. About half of that was actually gifts from my Dad that he wanted me to invest and specifically not put in an IRA, etc.
by Easy Rhino
Mon May 22, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: NY vs Utah 529?? Can't decide!
Replies: 23
Views: 2273

Re: NY vs Utah 529?? Can't decide!

5 years ago I picked NY, because it had super low expenses and I liked the "glideslope" of the moderate allocation as my kid aged.

I don't think Utah even had the DFA funds yet at that time.
by Easy Rhino
Fri May 19, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help - Sleep Deprived New Dad Rebalancing
Replies: 9
Views: 1020

Re: Help - Sleep Deprived New Dad Rebalancing

oh man, babies that won't sleep are the worst. At least you managed to write up this post successfully! I would only sell in the taxable account if there's little or no capital gains from it. Yes to VTSNX in the 401k. It's fine. Have you considered refi your mortgage? I glanced at the mtg professor ...
by Easy Rhino
Fri May 19, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 34
Views: 5595

Re: IRS says I owe..I don't

is this coming from an audit office in austin (not sure if the IRS has others)? I helped my in laws with a snafu a year or two ago, and be ready for really long delay times. They sent a response in 60 or 90 days, saying that they hadn't yet reviewed it. So it took months for the real response. And t...
by Easy Rhino
Fri May 19, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 51
Views: 13359

Re: Opticians: is there any difference in quality of Costco glasses?

I have a big head, and I must have weird eyes. I need help from a good optician. A couple of times I've tried the online glasses and they've hurt my eyes terribly when I've worn them. And also looked dumb when I tried them on. So getting the right frame selected and fitted for my head is important. ...
by Easy Rhino
Thu May 18, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Air circulation issues
Replies: 11
Views: 981

Re: Air circulation issues

4) Add simple vents from BRs to hallway (that in turn opens pretty broadly to the main part of the house). Simple solution, but might be aesthetically unattractive, and would potentially be a conduit for noise. having vents added to the bottom of the doors, or just having the bottom shaved so there...
by Easy Rhino
Tue May 16, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else agree with my logic on silicon valley housing?
Replies: 84
Views: 7967

Re: Anyone else agree with my logic on silicon valley housing?

if you're going to be leaving in a year, you should rent, not buy.
by Easy Rhino
Mon May 15, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: how do you invest your HSA
Replies: 47
Views: 4630

Re: how do you invest your HSA

TIPS ETF at Saturna.
by Easy Rhino
Mon May 15, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 49
Views: 5409

Re: Avoiding shafting my local merchants with card fees

Was having a fairly large project (over $10k) done by a contractor. he mentioned he could take credit cards, but also that he paid a decent fee surcharge on it. I asked him instead if he wanted to just give a 2% discount on the bill (which is what I would have gotten in rewards), and he was happy to...
by Easy Rhino
Mon May 15, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Wife going back to work! Where to invest this extra income?
Replies: 7
Views: 1500

Re: Wife going back to work! Where to invest this extra income?

where to spend the extra money when both are working full time?

house cleaner, dog walker, spa days :)
by Easy Rhino
Mon May 15, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Funny Letter [Canceling Escrow Account]
Replies: 39
Views: 5483

Re: Funny Letter [Canceling Escrow Account]

FWIW, self escrow is wonderful. Especially when it's in an Ally 1.05% savings account. Some escrow accounts pay 2% interest, nearly double Ally's rate. Geez, don't be shy and share some. I self escrow for property tax, home insurance, car insurance and EFTPS Quarterly IRS payments. Where can I get ...
by Easy Rhino
Mon May 15, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Signature Cookware vs Calphalon?
Replies: 29
Views: 5514

Re: Costco Kirkland Signature Cookware vs Calphalon?

incidentally, consumer reports rated the costco stainless cookware highly, but they didn't review their nonstick.
by Easy Rhino
Mon May 15, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Signature Cookware vs Calphalon?
Replies: 29
Views: 5514

Re: Costco Kirkland Signature Cookware vs Calphalon?

our nonsticks wear our their nonstickiness pretty quickly, so we just buy whatever's cheap. we also use only three nonstick items. a small pan for eggs (gets used a lot), the stove's specific griddle for pancakes, and a large 12' nonstick saute pan used for, well, sauteeing stuff. I got a Tramontina...
by Easy Rhino
Fri May 12, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: What are the benefits of turning-off dividend reinvestment (and capital gains too)?
Replies: 15
Views: 2101

Re: What are the benefits of turning-off dividend reinvestment (and capital gains too)?

Eventually, I'm going to sell, and i'm going to need to make sure the tax lots are accurate. And I want to keep that mess as simple as possible.

In a tax deferred account, I don't really care. reinvest away!
by Easy Rhino
Thu May 11, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Do we need a separate water filtration system?
Replies: 13
Views: 1225

Re: Do we need a separate water filtration system?

wait, how does it waste 2 gallons of water for each filtered? is it the filter or the softener that does it.

Our city has somewhat hard water, but it's not really a problem except for getting white junk on the shower head.
by Easy Rhino
Thu May 11, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 9255

Re: Tesla Solar Roof

How do they assume savings using a powerwall? I can think of only two ways: 1) you're on a time of use plan with your utility and can do "peak shaving" to charge at low rates and drain at high rates. 2) you're on some sort of unfavorable net metering situation where excess production durin...
by Easy Rhino
Thu May 11, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Does a new car purchase make sense?
Replies: 40
Views: 3529

Re: Does a new car purchase make sense?

look up the nhtsa on your old car. Is the long commute spent driving solo or together? A subcompact, or a very efficient car in general, might be a good way to go for such a commute especially if solo. The miles are going to to depreciate the heck out of a new car. (alternate theory, you spend a lon...
by Easy Rhino
Thu May 11, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Objectively critique an AXA recommended portfolio.
Replies: 16
Views: 1084

Re: Objectively critique an AXA recommended portfolio.

Is your 6% return assumption nominal return or real return? either is fine with me, it just wasn't clear. you may want to assume 2% inflation just to be more in tune with the last 10 years. if the rep has mentioned tax-deferred as a feature of the annuity, then make sure to debunk that in a 403b. I ...
by Easy Rhino
Wed May 10, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Solar City Sales-pitch
Replies: 50
Views: 8922

Re: Solar City Sales-pitch

I live in south california How do I decide between Solar City vs Sun Run (Costco), given both do price matches ? I have a 30 yrs old roof and both said my roof is ok (after inspection), but still concerned on my rook leaks after solar Is it good idea to Re-Roof prior to Solar, given I have 30 yrs o...